Tenax Therapeutics' (TENX) CEO John Kelley on Q4 2015 Results-Earnings Call Transcript.
Answer Wiki. I honestly don't think there's a plus to a debit card. It's not as secure as credit (if you get theft ed say goodbye to your money), there's no perks, and there could be potential fees (overdrafting, etc). Other then getting money from ATMs, I can't think of a reason to use them. The minus for credit is the ease of debt.
When debit balance is more than the credit balance, it is a debit balance/overdraft as per Pass Book. All the entries in the Cash Book (Bank column) are made by the customer/trader and all entries in the Pass Book are made by the bank.